Carter Alexander Short (NMLS #1005967)
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404 Camino Del Rio South, Suite 602, San Diego, CA 92108.0 United States
Finance
Open now:9:00 am - 6:00 pm
About
American Pacific Mortgage Corporation NMLS #1850: Licensed By the Department of Business Oversight under the California Residential Mortgage Act. Equal Housing Opportunity. Our vision is to set the industry standard for delivering home ownership in America, with over 170 branch offices to serve you. We have a proven track record of doing what we do best: getting results. We have helped countless homeowners obtain the funding they need. Our top priority is to help you make an informed decision by presenting all available options. We offer exceptional customer service, superior loan processing times, competitive mortgage rates, extensive mortgage product offerings, and an unwavering commitmen
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Heather Kester on Reach150
4 years ago
01/28/2019, 03:29 AM
Carter is an honest lender who does what he says he will do! I appreciate his straight forward and direct communication. He was well prepared and kept his clients well informed. I would love to do more transactions with Carter and would highly recommend him if you want a smooth transaction!!
Simona Arnaudova and Ryan Walker on Reach150
4 years ago
01/17/2019, 03:48 AM
Where do we start with Carter’s review when we have so many good things to say about him?
He is professional, knowledgable, an expert in his field, a loan wizard, kind, honest and caring about his customers and their needs.
When we scheduled our first appointment with Carter to see what our options were I felt very hopeless that we would never be able to afford a house in San Diego due to costs (to make it more difficult I wanted a property walking distance to the water) pretty unrealistic for our price range.
We are first time home buyers with zero experience and knowledge on the loan/house buying process and I am VERY neurotic and ask one million questions until I ensure I understand every little detail of the process. Let me tell you Carter was soo patient, answered every single questions I had regardless if it was my first time asking it or my 100th time (which I definitely did). He never made me feel stupid, annoying, or like I was bothering him. He would text/e-mail/call at all hours of the day to make it convenient for me and put my mind at ease. He was always available and flexibe.
Carter also made suggestions on how we can pay off some debt in order to be able to afford a higher mortgage if we chose to buy a more expensive property and opened up our eyes to options we never thought exsisted when it came to our budget. He is a genius when it comes to numbers!
When we first met him we weren’t ready to make the jump and apply for the VA home loan we were just gathering information. Carter followed up with us for six months until we were finally ready. He was never pushy and never gave up on us.
Here we are now HOME OWNERS of a property 0.5miles to the ocean where we have peak a boo ocean views from our patio in California and we only paid $900 out of pocket in closing costs and we received 90% of our earnest deposit back! WHAT A DREAM COME TRUE! All because of Carter.
He monitored the market constantly to ensure he locks in the best rate for us, to get us credits in closing costs, and once again to ensure he delivers the perfect loan and situation to make us home owners in California without breaking the bank and respecting our budget and limits.
Our loan was the perfect Cinderella story! At one point we were worried we would end up with a 6% interest rate and no credits in closing costs and the loan wizard Carter Short worked his magic once again and got us a loan with an interest rate of 4.75% and $1500 credit in closing costs! This made our mortgage more affordable then expected and definitely helped my husband and I sleep easier at night.
We would use Carter as our loan officer over and over again and would highly recommend him to anyone who is looking to buy a property. If you hire Carter Short you won’t make a mistake. He is honest, and kind and him and his team truly care about their clients and have the clients best interest in mind! Prior to Carter we had met with a different loan officer who recommended loan options that weren’t good for us and would have required us to refinance 6 months down the line because that would mean the loan officer gets paid for two loans versus one. When we told Carter this option he was highly disturbed that other loan officers attempt to perform loan churning and do not look out for their clients. Carter was so kind to be honest with us, look us in the eyes and explain how we were about to be scammed and ensure he provided us with an honest experience that fit our needs versus doing something wrong to get paid twice. If this doesn’t speak of his character and his care for his clients I don’t know what does. As first time home buyers he could have told us anything and we would have believed it, but he was honest and amazing!
Thanks Carter!
Simona Walker on Trulia
4 years ago
01/16/2019, 08:28 AM
Where do we start with Carter’s review when we have so many good things to say about him?
He is professional, knowledgable, an expert in his field, a loan wizard, kind, honest and caring about his customers and their needs.
When we scheduled our first appointment with Carter to see what our options were I felt very hopeless that we would never be able to afford a house in San Diego due to costs (to make it more difficult I wanted a property walking distance to the water) pretty unrealistic for our price range.
We are first time home buyers with zero experience and knowledge on the loan/house buying process and I am VERY neurotic and ask one million questions until I ensure I understand every little detail of the process. Let me tell you Carter was soo patient, answered every single questions I had regardless if it was my first time asking it or my 100th time (which I definitely did). He never made me feel stupid, annoying, or like I was bothering him. He would text/e-mail/call at all hours of the day to make it convenient for me and put my mind at ease. He was always available and flexibe.
Carter also made suggestions on how we can pay off some debt in order to be able to afford a higher mortgage if we chose to buy a more expensive property and opened up our eyes to options we never thought exsisted when it came to our budget. He is a genius when it comes to numbers!
When we first met him we weren’t ready to make the jump and apply for the VA home loan we were just gathering information. Carter followed up with us for six months until we were finally ready. He was never pushy and never gave up on us.
Here we are now HOME OWNERS of a property 0.5miles to the ocean where we have peak a boo ocean views from our patio in California and we only paid $900 out of pocket in closing costs and we received 90% of our earnest deposit back! WHAT A DREAM COME TRUE! All because of Carter.
He monitored the market constantly to ensure he locks in the best rate for us, to get us credits in closing costs, and once again to ensure he delivers the perfect loan and situation to make us home owners in California without breaking the bank and respecting our budget and limits.
Our loan was the perfect Cinderella story! At one point we were worried we would end up with a 6% interest rate and no credits in closing costs and the loan wizard Carter Short worked his magic once again and got us a loan with an interest rate of 4.75% and $1500 credit in closing costs! This made our mortgage more affordable then expected and definitely helped my husband and I sleep easier at night.
We would use Carter as our loan officer over and over again and would highly recommend him to anyone who is looking to buy a property. If you hire Carter Short you won’t make a mistake. He is honest, and kind and him and his team truly care about their clients and have the clients best interest in mind! Prior to Carter we had met with a different loan officer who recommended loan options that weren’t good for us and would have required us to refinance 6 months down the line because that would mean the loan officer gets paid for two loans versus one. When we told Carter this option he was highly disturbed that other loan officers attempt to perform loan churning and do not look out for their clients. Carter was so kind to be honest with us, look us in the eyes and explain how we were about to be scammed and ensure he provided us with an honest experience that fit our needs versus doing something wrong to get paid twice. If this doesn’t speak of his character and his care for his clients I don’t know what does. As first time home buyers he could have told us anything and we would have believed it, but he was honest and amazing!
Thanks Carter!
Norma J. Thomas on Reach150
4 years ago
01/06/2019, 00:29 AM
I highly recommend Carter Short for his efficiency, patience, and helpfulness.
pushinka116 on Trulia
4 years ago
01/05/2019, 08:07 AM
Carter Short was very helpful every step of the way with explanations and was very patient. He answered all my questions and pushed hard for me to get results in a complicated setuation. We went out of his way to pick up and deliver papers, and facilitate all arrangements for me.
ThomasSchimpf on Trulia
4 years ago
12/28/2018, 18:03 PM
Carter Short and his Team are True Professionals who will stop at nothing to ensure that you receive Exceptional, High Quality Service all throughout the Home Buying process. Carter's Amazing Organization Exudes Greatness and places the Home Buyer First, Last, and Always! I Highly Recommend Carter Short and his Team of Mortgage Professionals to anyone out there Interested in buying a Home. My Loan Rate was Lower than expected, Saving my Family and I Thousands of Dollars throughout the life span of the loan. Thank you Carter, Grant, and Andre for your Professionalism and Expertise to ensure this Veteran and his Family received an Extraordinary Home & Home Loan that included Fast and Hassle Free Service.
Thomas Schimpf on Reach150
4 years ago
12/27/2018, 10:45 AM
VA Home Loan Experts!
Carter Short and his Team are True Professionals who will stop at nothing to ensure that you receive Exceptional, High Quality Service all throughout the Home Buying process. Carter's Amazing Organization Exudes Greatness and places the Home Buyer First, Last, and Always! I Highly Recommend Carter Short and his Team of Mortgage Professionals to anyone out there Interested in buying a Home. My Loan Rate was Lower than expected, Saving my Family and I Thousands of Dollars throughout the life span of the loan. Thank you Carter, Grant, and Andre for your Professionalism and Expertise to ensure this Veteran and his Family received an Extraordinary Home & Home Loan that included Fast and Hassle Free Service.
Charles Wilson on Reach150
4 years ago
12/23/2018, 07:12 AM
Being in the business for 40 + years I have dealt with many Loan Officers. Over the years I purchased 10 different homes and refinanced my current home twice with different Loan Officers. Carter Short is only the second person to do exactly what he promised. From beginning to end the entire process was 30 days. I highly reccomend him for all of your Mortgage needs.
kristielamarsh on Trulia
4 years ago
12/13/2018, 12:43 PM
I always hear horror stories about buying a house and I just can't relate! Carter and his team made this so easy. No drama. No confusion. No stress. I can not recommend him and his team high enough. I will be recommending Carter to my friends and family.